The most economical district in which to stay is undoubtedly Sanya city centre, its Sanya Beach area and the area around the island’s airport, with a few budget lodgings also to be had on and around Dadongdai Beach. Mid-range accommodation is available everywhere in Sanya and for ultimate luxury, at a price, the quieter area around Yalong Bay is the perfect destination.A popular choice close to the airport and on the beach in Sanya Bay is the Holiday Inn Sanya Bay Resort. Its internationally trusted name is backed up here by a large, freeform outdoor pool, a health club, attractive guestrooms and a restaurant and lounge bar. In-room massages are part of the excellent service.The four-starDays Hotel Suites Sanya Resortis a good choice for those travelling either en famille of with a group and needing extra space. It’s good for business travellers as well, with a business centre and conference rooms, and the property is set close to the beach and within a short drive of the massive Hainan Guan Yin image.For visitors heavily into watersports of all kinds, Dadongdai Beach is the best choice for beachside accommodation, with hotels, apartments and inns all close by or on the sands. The Mandarin Oriental, Sanya is as good as it gets, with its own private beach, easy access to the public beach, three outdoor pools, full-service spa, three restaurants, a 24/7 fitness facility and designer guestrooms equipped with every comfort and luxury.

Before attempting to examine a bubble it is important to have a good definition for the phenomena so as to be able identify it clearly. According to Wikipedia, a bubble is defined as “trade in high volumes at prices that are considerably at variance with intrinsic values”. However this definition is difficult to work with, given that it is difficult to identify and observe the intrinsic value of an asset without the benefit of hindsight. Therefore most individuals attempt look at other tell-tale signs besides trade volumes and prices while analyzing bubbles, including factors such as manias, herd behavior, comparing extrapolation of future asset prices with historic data, moral hazard, etc. However, none of these approaches allow us to clearly define a bubble or attribute it to real and observable factors – and unless one is able to do that it would be always difficult to clearly identify a bubble.

The biggest advantage that the Austrian view offers is that it enables us to clearly define a bubble. According to Austrian economists, a bubble is a term used to define an activity that has sprung up on the back of loose monetary policies. The main factor behind bubbles is the fuel for speculation – which is low real interest rates. The fuel for speculation comes when the Central Bank expands credit by creating “mickey mouse” money out of thin air. “Mickey mouse” money has to go somewhere… and it fuels a speculative bubble where it does. Given that money is non-neutral, the early recipients of new money (or the first movers) always have an advantage since they are able to out-bit late recipients for goods and services. Additionally, these monetary injections act like a steroid given it turbo-charges activity in interest rate–sensitive sectors such as housing construction. Moreover, easy access to credit (enabled in part by monetary injections) also have a role to play in inflating bubbles, given that with the aid of leverages asset prices can be inflated beyond the wildest imagination. Therefore if you want to spot a bubble, you must first examine if asset prices are rising on account of increases in the money supply (and thus credit) or on account of genuine savings.

In April there were 50 cases of theft from online accounts held by Japanese businesses with nearly 200 million yen stolen, according to a person with knowledge of the industry-wide tally, which has not been made public. That was more than the entire previous year.

Japanese businesses reported 34 cases of online banking theft for the year ended March with a total of 182 million yen ($1.8 million) stolen, according to data released by the Japanese Bankers Association.

Earlier this month, a senior official with Japanâ€™s Financial Services Agency told regional bank executives that regulators were concerned that online theft could cause a chain of small business failures and bankruptcies, according to participants who attended the closed-door meeting.

Mitsubishi UFJ Financial Group and Mizuho Financial Group said their corporate customers had been hit by online thefts. Top regional lenders such as Fukuoka Financial Group and Bank of Yokohama also said their clients had also experienced losses.

Corporate users of online banking in Japan tend to be small businesses and family-owned firms. In a typical theft, hackers trick owners into surrendering passwords or gain control of poorly protected computer systems to make transfers out of their accounts, industry officials and security experts said.

Recently I asked an executive I was coaching, “What hobbies do you have?” He paused, looked at me blankly, and then replied, “Actually, I don’t really have any,” followed by another long pause. As he reflected on this, it seemed to suddenly strike him that his life was way out of balance. He was living and breathing his work, which was his own company. The little free time he had, outside of his business, was spent driving his kids to their various activities and watching them play sports and take music lessons. While he loved spending time with his kids, he felt that something was missing in his life. He also reported that he often felt tense, stressed and was increasingly having difficulty controlling his temper.

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The goal of a checking account should be to find an FDIC-insured bank with few or no fees. Unfortunately, millions of Americans are banking with enormous brick-and-mortar banks that charge monthly maintenance fees, as well as a host of punitive fees such $30 or more for overdrafts. Some of those friendly financial institutions are raking in nearly $1 million per branch in fees alone.Thankfully, the Internet is good for something other than supplying us with funny cat videos and quizzes to tell you which type of fast food your personality is like. The Web is now a safe haven for consumers looking for low-cost banking options that still offer all the safety the comes from being backed by the Federal Deposit Insurance Corp.Internet-only banks are able skip those ugly fees and still offer higher interest rates than their traditional peers because they don't have to deal with the costs of maintaining neighborhood branches."Most customers today don't go into a retail branch, so we never built them," says Kyle Kolsky, senior vice president of consumer deposits for Bank of Internet USA (BOFI). "We operate from one large headquartered office and give those savings back to our customers in superior products."

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Social media and event marketing have two things in common: they are effective, intimate and high-impact ways to reach consumers, with the potential to create long-lasting and meaningful relationships.Several brands are successfully merging the physical nature of live experiences with the social media world. In a recent white paper, Legacy Marketing Partners says “it’s up to brand marketers to create compelling brand experiences that blend the two realities as seamlessly as the targets they’re trying to reach. And that means integrating social and digital media into the (event) ideation process from square one.”The best news is that social media can be effectively integrated into every aspect of the event activation, with opportunities before, during and after your event. With social media you can maximize event ROI and extend the experience beyond execution to expand your online reach.

Last October, the Federal Communications Commission fined Marriott International $600,000 for intentionally jamming some of its customers’ Wi-Fi connections in the meeting space at Gaylord Opryland Hotel & Convention Center in Nashville. Marriott said it had blocked third-party Wi-Fi connections in meeting spaces in order to protect its own network—and customers—from “imposter” hotspots and other potential attacks that could compromise cyber security and put personal or corporate data at risk. Complainants said Marriott prevented users “from connecting to the Internet via their own personal Wi-Fi networks when these users did not pose a threat to the security of the Gaylord Opryland”—that the real reason, in other words, was to capture revenue from fees charged to access the Internet through the hotel’s wireless network.

Soon after agreeing to pay the fine, Marriott filed a petition with the FCC asking it to explain what legal measures a venue can take to prevent malicious attacks on its wireless network, and specifically asking the FCC to state that “the operation of FCC-authorized equipment by a Wi-Fi operator in managing its network on its premises does not violate [FCC rules] even though it may result in ‘interference with or cause interference’ to a Part 15 device [i.e., low-power, non-licensed transmitter] being used by a guest on the operator’s property.”

Marriott was joined in the petition by the American Hotel & Lodging Association and Ryman Hospitality Partners.